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As a New York Life Agent, I help people tackle the big issues in life: the ones you usually see coming from a mile away. How we do it depends on your personal needs and preferences, but one way or another, I'll make sure that you're prepared to face many of life's most significant events:

Starting a family: At this point in your life, you may not have had enough time to build up much of a safety net. If income replacement is a primary concern, we can discuss several affordable ways to give your new family the financial protection they deserve.

Protecting your home: There's nothing like the feeling of owning your own home. It's a source of comfort and security for your family-and possibly the largest single investment you will ever make. Life insurance can help protect that investment, and your family, by making sure they have enough money to pay off the mortgage should something unfortunate happen to you.

Paying for college: We all know how important a college education can be to a child's future. And since the cost of education keeps going up, now's the time to study up on ways to meet the rising cost. Fortunately, there may be several ways that we can help. One of the main instruments we may use is cash value life insurance*. The living benefit of a permanent life insurance is that the policy's cash value can be accessed via policy loans in order to help pay for college*. The cash value of life insurance does not have to be disclosed in FASFA forms. Additionally, should something happen to you the death benefit can be used to help pay for a child's college cost.

Getting ready to retire: Retirement means different things to different people: spending more time with friends, traveling the world, or being able to spoil your grandchildren whenever you want. Of course, the quality of life you lead will depend greatly on the financial resources you set aside. Let's talk about what you want out of retirement and create a plan that not only helps you save for retirement, but also make the most of the money you save.

Caring for their future: When it comes right down to it, there's nothing more important than family. So if you are in the enviable position of being able to leave something behind, I can put together a plan of action that helps protect your assets and has the potential to make a real difference to those you love.

*Loans accrue interest and reduce the cash value and death benefit by the amount of the loan plus interest.

Mahendra Parekh is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of NJ, AZ, CT, FL, MA, MD, MI, NC, NY, PA, SC, TX, VA, and CA (CA Ins. Lic. #0B63938). No insurance business may be conducted outside the states referenced.

Mahendra Parekh is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC (Member FINRA/SIPC), a licensed insurance agency, 26 Julie CT, Somerset, NJ 08873, Phone 732-398-9230. In this regard, this communication is strictly intended for individuals residing in the states of NJ, NY, and CT. No offers may be made or accepted from any resident outside the specific states referenced.

Mahendra Parekh is licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities.

Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.